ANZ CashBack Visa

The credit card that rewards your everyday spend with cash back in your pocket. 

Control how your ANZ Visa card can be used

Manage some of the types of purchases your ANZ Visa card and mobile wallet can make by choosing your card settings in the ANZ goMoney app. Turn on or off:

  • Contactless purchases (like payWave)
  • Online shopping
  • Overseas in-person purchases and ATM withdrawals
  • Online gambling.

Change your settings anytime for added security and protection. 

The important numbers

Apply using our online form


Interest rates, fees and minimum credit limit

Rate, fee or limit

Interest rate on purchases

% p.a.

Interest rate on cash advances

% p.a.

Interest free days on purchases

Up to 55 days 

Annual fee

$40 p.a. (charged in full once per year)

Joint or additional card

$5 p.a.

Minimum credit limit


How CashBack works

  • You get $1 cash back for every $150 spent on eligible purchases1.
  • Your CashBack year runs for a 12 month period from the date of the first purchase transaction. You’ll be able to see this date on your statement.
  • CashBack Rewards will be credited to your CashBack card account on the date of your next statement, following the anniversary of your first eligible purchase on your account. Details of the amount credited will appear on that statement.
  • Cash advances and the purchase of cash substitutes (e.g. travellers' cheques), gambling transactions and business related expenditure will not qualify as eligible purchases for a CashBack Reward.

For more important information, including terms and conditions for ANZ CashBack Rewards, please see the ANZ CashBack guide:

Find and compare ANZ credit cards

Check your eligibility

To apply for an ANZ credit card, you’ll need to:

  • Be at least 18 years old
  • Receive a regular income
  • Have enough money left over, after your expenses, to meet your credit card repayments
  • Be a New Zealand citizen, permanent resident or, if a non-resident, have a work visa issued for two years or longer with at least one year left.

If you’re a tertiary student, you’ll also need to:

  • Have any income, student allowance or student loan credited to your ANZ account
  • Be studying full-time at a government-recognised tertiary institution or a NZQA-approved language school with at least six months left on your course
  • If you’re an international student, have at least six months left on your student visa.

Additional lending criteria may apply

We’ll discuss this with you during your application process.

How to apply

From overseas: +64 4 470 3142

Not an ANZ customer?

You’ll need to join ANZ first. 

Join using the ANZ goMoney app by downloading it, then select Not a customer? Join ANZ > Join ANZ with a profile only. After that, you can apply for a credit card in the app or online.

Banking with ANZ

Manage your card online

Manage your card and payments online with ANZ Internet Banking and the ANZ goMoney app. Set up regular payments, temporarily block your card, manage your PIN, report a lost or stolen card, and more. 

Pay with your device

Pay using your compatible device with Apple Pay, Google Pay™ or Fitbit Pay™ anywhere you can tap and pay.

Understanding credit cards

Credit cards can be convenient, but it’s important to manage this debt well. It’s a good idea to think about:

  • What is a credit card
  • How to avoid paying interest
  • Tips to pay off your credit card
  • Support if you face financial stress. 

Credit card security

Help and support

Important information

This is for information purposes only, talk to us for financial advice and see our advice statement (PDF 39.8KB).

Interest rates are subject to change. Lending criteria, terms and fees apply to all ANZ credit cards. See Rates, fees and agreements.

Eligibility criteria and terms and conditions apply to ANZ Internet Banking, ANZ goMoney and ANZ Phone Banking. See our Electronic Banking Conditions (PDF 138KB) for more information.

For more important information, including terms and conditions for ANZ CashBack Rewards, please see the ANZ CashBack guide (PDF 2.6MB).